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| Belleville | | People who are trying to quit | | Tabular Plan: A retrospective rating |
| Spokane | | smoking, for example, might be best | | plan, which uses tables to furnish the |
| Myrtle Beach | | suited purchasing a shorter term (and | | various values for the rating formula. |
| Naperville | | then replacing it with a longer term | | |
| Texarkana | | policy when they qualify for | | Countersignature: The signature of a |
| Newark | | non-tobacco prices). | | licensed agent or representative on a |
| Fort Myers | | | | policy. |
| Duluth | | If you decide to cancel your policy | | |
| Montgomery | | (after acquiring new coverage) | | Nonassignable: A policy that the |
| Livonia | | outside of the 30-day period, you may | | owner cannot assign to a third party. |
| Lake Charles | | have to pay a fee or penalty. | | Most policies are nonassignable |
| Bayside | | However, you may still save money | | unless approval is given by the |
| Santa Clara | | after paying the fee if your new policy | | insurer. |
| Vero Beach | | affords you significant savings. So | | |
| Anderson | | while it is best to wait until your | | Authorized Insurer: An insurer |
| Naperville | | receive your renewal notice, you CAN | | authorized by the state to transact |
| Fairfax | | cancel your policy at any time. | | business in that state for specific |
| Belleville | | | | types of insurance. |
| Hendersonville | | At InsWeb, you can compare free | | |
| Scranton | | online insurance quotes from many of | | Divided Cover: The placing of |
| Beaumont | | the nations leading insurance | | insurance on a given subject or |
| Lakeland | | companies. | | object with more than one insurer. |
